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Does my neighbour's insurance cover me?

When watching the news on last Saturday morning, I came across an interesting article on the BBC. Almost 2 MILLION people in the UK do not have any sort of Home Insurance in place! You can watch the report by visiting the BBC News website here.

The lady in the article, Violet Grainger, was amongst one of those 2 million; when her neighbour's chimney caught fire it spread to the thatched roof of her property and Ms Grainger was left nothing.

Sandra1Ms Grainger thought she would be able to recoup her losses via her neighbour's insurers as the fire had spread from their property. Unfortunately for Ms Grainger it was found that there was no negligence on her neighbour's part and therefore they did not have to assist Ms Grainger.

She had lost everything for the sake of saving £300 on her insurance. Had she taken out Insurance on her property she may have been able to recover some of her losses.

Contrary to what some people believe, if you are a property owner your neighbour's insurance may not cover your property in the event of damage being caused by an incident at their property and your Landlord's insurance will not cover your belongings if you are a tenant. That's why it is so important to ensure that you have the correct cover in place.

Getting a quote and setting up an insurance policy takes minutes nowadays and I know I would rather be a couple of hundred pounds out of pocket each year than face the prospect of having nothing should the worst happen!

Why not get in contact with our Insurance Team to get a quote or discuss cover? You can chat to them on 0845 345 0315 or email


Posted By Admin on Thursday, March 29, 2012 | Type: Blog

New Tenant Online Referencing System Launches!

Risk Management Specialist, Leaseguard Ltd, is moving forward in 2012 with the launch of their new Tenant Online Referencing Service for both existing and new agents.

Veronica Allison, Operations Manager at Leaseguard, commented "We pride ourselves in providing a tailored service to our agents and have developed this facility as a result of feedback received."

Leaseguard Ltd has worked in tandem with their agents to develop an efficient, yet still personal, Tenant Online Referencing Service. From the feedback they received from their agents Leaseguard Ltd learned that their agents would save more time if the tenant could fill out application online. Veronica commented "Our Leaseguard elves have worked hard over the past few months to ensure that the system lives up to the requirements set out by our agents."

In support of their new Tenant Online Referencing Service, Leaseguard Ltd worked with leading credit information expert, Equifax, to enhance the application process for their agents. Equifax credit data is playing a key role in enabling the team at Leaseguard to verify the identity and credit status of an applicant as swiftly as possible so that agents do not experience delays in their decision-making process. The Equifax data is also crucial in ensuring that only the most suitable tenants are accepted by agents.

"We chose to work with Equifax because they offer the best quality consumer credit data solutions for the Leaseguard Tenant Online Referencing Service" advised Veronica.

She also went on to add "Credit information plays a vital role in checking that tenants are who they say they are and that they will be able to pay their rent.  We are confident that the Equifax data will give our agents the best possible risk management support."

Leaseguard Ltd suggest any agents who would like to try their new Tenant Online Referencing system simply contact their Sales & Marketing team on 0845 345 1705 or email

Posted By Admin on Thursday, March 15, 2012 | Type: News

Do I really need insurance?

"It's just another added expense…" or "I don't think I really need Insurance" are phrases our Insurance Team hear on a daily basis! Nobody likes to pay out for insurance but it can be a safety net should the worst happen!


Landlord Insurance

Some Landlords fail to have this in place and are shocked when something goes wrong!

What would you do in the event of your tenant maliciously damaging your property, if the roof was damaged during a storm or if your tenant made a claim against you after injuring themselves in your property - do you have the resources to make the necessary repairs and protect yourself from liability? A suitable Landlord Insurance policy could prevent you from having the headache of what to do!

Why not get a quick quote online or call our Insurance Team on 0845 345 0315? You can also email them at


Tenants Contents Insurance

Our Insurance Team often hear "I don't need a policy - my Landlord's policy covers my belongings!"  This is a common misconception amongst tenants - their Landlord's policy covers their Landlords and only their Landlords property and contents.

In the event of you accidentally damaging fixtures and fittings in your rented property could you afford to pay the Landlord for any repairs? Or if your bag was stolen out side of the property would you be able to replace the contents? You cannot claim for these on your Landlord's Insurance policy - you require your own, specialist Tenants Contents Insurance policy.

Why not get a quick quote online or call our Insurance Team on 0845 345 0315? You can also email them at 

Posted By Admin on Thursday, March 8, 2012 | Type: Blog

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